Mercedes-Benz Van Finance

Mercedes-Benz Van Finance

The Latest Finance Options From Mercedes-Benz

In Partnership With Mercedes-Benz Vans Finance

Here at Northside Truck and Van, we work in close partnership with Mercedes-Benz Financial Services UK to offer payment solutions to benefit all our customers. Available is a range of options including Contract hire, Agility (personal contract plan), Operating lease, finance lease and hire purchase.

Our easy, transparent guide to vehicle finance will talk you through all the available finance options, So whether you're a new customer or you're reaching the end of your contract, you'll know what to do next.

Hire Purchase

Understanding Hire Purchase

On selecting the vehicle you want and paying an initial deposit (minimum VAT), the remainder of the vehicles cost is spread over a number of agreed months.
At the end of the agreement the vehicle is owned outright once the option to purchase fee is paid.

Hire Purchase includes:

  • Route to vehicle ownership
  • Predetermined monthly payments
  • Flexible deposit 
  • Tax allowances may be deducted from taxable profits
  • The vehicle will appear on your balance sheet as an asset


Understanding Agility

From the outset of an Agility agreement (similar to PCP) you have control; you choose the amount you want to put down against the vehicle as a deposit, and the term of the contract as well as your preferred annual mileage.
Over the course of the predetermined term, you will pay monthly installments to cover the cost of your vehicle. At the end of the term, you will have the option to buy the vehicle outright, part exchange or return the keys to MBFS.
If you choose to keep the vehicle at the end of the agreement, you will pay the guaranteed future value (Optional Final Payment) which is clearly indicated at the start of the contract duration and an option to purchase fee.  Because of the transparency of the optional purchase payment, you are protected against market value depreciation and have the benefit of lowering your monthly payments so you do not pay out more than the value of the vehicle. 

Agility features include:

  • Fixed payments of a predetermined amount
  • Low monthly costs
  • Transparent Optional Purchase Payment to protect you against unplanned depreciation of the value of the vehicle
  • Set your own annual mileage at the start of the agreement
  • Option to choose whether to purchase or hand back vehicle at the end of the agreement
  • As a commercial vehicle, it is fully allowable against your taxable profit

Contract Hire​

Understanding Contract Hire

Contract Hire allows a business or person to essentially rent a vehicle for a set amount of time. An advanced rental payment is followed up by a number of monthly rental payments based on the initial value of the vehicle and its projected residual value at the end of your agreement. 
Initial rental costs and monthly payments are kept low as only a portion of the vehicle's value is repaid.  Build into your monthly payments your maintenance contract., select from ‘No Maintenance’, ‘Service Only’, ‘Full Maintenance’ or ‘Full Maintenance with Tyres’ options.

At the end of your agreement, the vehicle is simply returned to MBFS. As long as the condition and mileage of the vehicle are in line with the vehicle returns standards, then there is nothing else to pay. 

Contract Hire includes:

  • Affordable initial deposit
  • Predetermined fixed monthly payments (that include VAT)
  • Payments can include the cost of the Road Fund Licence
  • Annual mileage inline with your business needs
  • Tax administrated on your behalf (if included in the contract)
  • We will also administer any speeding and parking fines when necessary at a charge of £25 per fine
  • Repair and Maintenance options
  • Proportionally allowable against taxable profits
  • All monthly rentals are subject to VAT which can be claimed back through your VAT return

Operating Lease

Understanding Operating Lease

Operating Lease allows you to hire a Mercedes-Benz vehicle for an upfront rental fee and an affordable monthly cost.
Repayments are based on the initial value of the vehicle, your annual mileage and its projected residual value at the end of your agreement.

Repayments only account for a portion of the vehicles total value, allowing you to benefit from driving a Mercedes-Benz at just a fraction of the vehicles cost. 

Operating Lease includes:

  • Affordable initial deposit
  • Predetermined fixed monthly payments
  • All monthly rentals are subject to VAT which can be claimed back through your VAT return
  • Payments can include the cost of the Road Fund Licence
  • Currently sits off your balance sheet

Finance Lease

Understanding Finance Lease

Finance Lease gives the option to experience a Mercedes-Benz product without having to purchase outright but with the added benefit of appearing as an asset on your balance sheet.
At the beginning of the contract, you pay an advanced rentals upfront followed by monthly rentals for the term of the contract which you determine at the start of the contact.

You can minimise the amount of your monthly rentals by choosing to add a balloon payment at the end of your agreement. There is no vehicle ownership right included with Finance Lease.

At the end of your agreement you have 3 options:

  • Return the vehicle to MBFS to be sold on your behalf, with which you will receive 95% of the sale proceeds minus any reseller fees.
  • Sell the vehicle on yourself to an independent third party, with vehicle proceeds of 95% being retained by you.
  • Extend your agreement with peppercorn rental. by paying an amount equal to 1 month rental per annum.

Finance Lease Includes:

  • The vehicle appears as an asset on your balance sheet, therefore is tax allowable
  • No preset annual mileage
  • Flexible monthly rentals due to the option of a balloon payment
  • Fixed monthly cost

Return Conditions

All Northside Truck and Van vehicles acquired on a lease or hire basis are subject to return conditions. Read about the acceptable and unacceptable standards within.

On the end of the finance agreement, any vehicle that has been secured through a Mercedes-Benz lease or hire agreement is subject to acceptable return conditions. Vehicles that fall out of the required guidelines are subject to additional costs on return. Using the guide below, you can pre-asses your vehicle and take the necessary measure to prevent the charges you may be faced with. We understand that wear and tear will happen, so have outlined examples of acceptable wear and tear and a description of chargeable damage.

Body and Paint


Paint chips 8mm long and less in diameter, maximum of 4 per panel, 6 per door edge and 8 on any forward facing panel.Previous repair up to an acceptable standard.25mm or less, maximum 4 per panel.


Previous body repairs and paint rectification if there is evidence of poor colour match, ripples, preparation marks, visible overspray, masking lines or excess dirt in paint.Dents on roof or swage line.Evidence of customer decals including glue and sign writing.

Bumper and Body Moulding


Scuff marks which do not adversley affect the overall appearance of your Mercedes-Benz.


Discoloured, loose, cracked, distorted, gouged or split bumpers and mouldings that require replacement.

Wheels, Tyres and Alloys


Van tyres minimum tread 5mm.Minor scuffing or damage to the vehicle alloy or wheel face.Scuffed sidewalls which can be cleaned.


Any gouge, crack, cut, torn or plugged tyre side wall.Wheels must be free from dents.Tyres with excessive wear not matching age or mileage of your vehicle.



Fitted with all original equipment or with any replacements to a good industry standard.Any lifting equipment fitted to the vehicle, i.e. tail lifts or hydraulic loaders, must comply with the Health and Safety Executive (HSE), Lifting Operations and Lifting Equipment Regulations 1998 (LOLER) and have a minimum of 10 months unexpired service and weight test upon return.Free from any major leaks or defects in the driveline, mechanical, electrical, electronic, compressed air, air valve, hydraulic components or systems


Major leaks or defects in the driveline, mechanical, electrical, electronic, compressed air, air valve, hydraulic components or systems.



Chips on windscreen, which are less than 5mm, providing they do not obscure the drivers line of vision. Repaired chips must be outside of the A zone.Windscreens are secure and watertight.


Chips greater than 5mm or repaired within the drivers A zone.Unsecure windscreen which is not watertight.

Notification of Charges

On the return of your vehicle to Mercedes-Benz, it will be subject to an inspection. It is requested that you are present during the inspection so that you can view any damage which we believe falls outside of the above guidelines. You will then be invoiced by Mercedes Benz Financial Services for any damaged outside of the acceptable return conditions policy this includes excess mileage, insufficient service history and extra days rental.

Your vehicle will be inspected prior to your handover date - giving you the opportunity to have any necessary repairs made to the vehicle. These repairs can be done by your local Northside Truck and Van depot who will charge you accordingly. If any repairs are carried out at this point, Mercedes-Benz recommends that you keep a copy of the relevant invoices. Any damage which occurs between the preinspection and handover that is not sufficiently repaired, in accordance with the guidance, will be charged accordingly.

Contact your local Northside Truck and Van dealer who will be able to assess and repair any damage prior to handover.


Northside Truck & Van Limited is authorised and regulated by the Financial Conduct Authority in regard to Consumer Credit, our firm reference number is 658350.Northside Truck & Van Limited are a credit broker, not a lender. We can introduce you to a limited number of finance providers which we have selected carefully, and who typically pay us for introducing you to them. You can request for us to disclose the amount of any commission received.
Northside Truck & Van Limited is an Appointed Representative of Autoprotect MBI Ltd for insurance mediation purposes. Autoprotect MBI Ltd is authorised and regulated by the Financial Conduct Authority, their firm reference number is 312143

You can check this on the FCA website by visiting: or by contacting the FCA direct on 0800 111 6768